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Valued Contributor
injustifiiable
Posts: 1,857
Registered: ‎03-30-2012
0

CLI's on WFNNB Accounts??

I'm just wondering how I should go about CLI's with a new WFNNB account I have with Express. I'm just kinda planning the year ahead....

 

I also want to make sure that they are done through SP's too!

 

Thanks all.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Member
ecballer
Posts: 27
Registered: ‎09-21-2011
0

Re: CLI's on WFNNB Accounts??

You can request an increase online when you log into your account which are always soft pulls.  I believe you have to wait 4-6 months to request one if im not mistaken or you will get the "you do not qualify at this time" letter.

EQ MyFico: 679 4/19/2014
EX Fico: 687 4/10/2014
Discover Fico: 694 5/4/2014
Walmart Fico: 662 4/5/2014
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: CLI's on WFNNB Accounts??

Yea I haven't found any backdoor numbers to call.  I tried one of my cards at the 6 month mark and I got a letter saying that my account is not eligible for a CLI.  Even though I PIF each time I used it.  I'm not too happy with them but I will keep them open to see how they do at the one year mark.  But I have some pretty low limits with them like $150 for The Avenue and $300 Catherines.  What's ironic is that I have Victoria's secret and Woman Within both for $750.  All of these were opened using the shopping cart trick so I don't know if that has anything to do with it.  But I have other CCs that are 50 times the amount of my lowest WFNNB, which is now Commenity, cards.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Established Contributor
corymcd88
Posts: 816
Registered: ‎12-12-2011
0

Re: CLI's on WFNNB Accounts??


ecballer wrote:

You can request an increase online when you log into your account which are always soft pulls.  I believe you have to wait 4-6 months to request one if im not mistaken or you will get the "you do not qualify at this time" letter.


I was told 9 months on my account yesterday.

Walmart / SYNCB - 3,300/7,500, JCP MasterCard / SYNCB - 4,000, Dillard's / SYNCB - 3,000, Amazon / SYNCB - 1,500, Chevron / SYNCB - 1,000, Belk / SYNCB - 3,000, Aeromexico Visa / US Bank - 300, Capital One - 500/1,700, Bank Of America 123 Cash Back - 2,500, Wells Fargo - 300, AMEX ZYNC - NPSL, AMEX Green Card - NPSL, AMEX Hilton HHonours - 2,000, USAA AMEX - 250, PenFed Platinum Rewards Visa Signature - 18,400, PenFed Travel Rewards AMEX - 5,000.
Valued Member
ecballer
Posts: 27
Registered: ‎09-21-2011
0

Re: CLI's on WFNNB Accounts??

Guess it depends on the situation.  I have 3 wfnnb accounts opened up December of last year and received 2 increases on each.

 

Kingsize started at 250----450----650

Woman within 250----450----650

Victoria secret opened in march at 500, increased to 640 in July and last month to 940

 

All soft pulls requested by me thru the website.

EQ MyFico: 679 4/19/2014
EX Fico: 687 4/10/2014
Discover Fico: 694 5/4/2014
Walmart Fico: 662 4/5/2014
Mega Contributor
Creditaddict
Posts: 19,573
Registered: ‎10-23-2007
0

Re: CLI's on WFNNB Accounts??

WFFNB has always been VERY slow in the beginning and 9 months sounds about right... After that it was fast and never had to ask!

 

and unlike most banks I have delt with, I have had WFFNB (Express) especially get a couple CLI almost back to back because the account was at limit before the increases.

 

Fico Scores: EQ 657 Cabelas, TU 662 Walmart, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 40 Cards in between :smileytongue:
Valued Contributor
injustifiiable
Posts: 1,857
Registered: ‎03-30-2012
0

Re: CLI's on WFNNB Accounts??


Creditaddict wrote:

WFFNB has always been VERY slow in the beginning and 9 months sounds about right... After that it was fast and never had to ask!

 

and unlike most banks I have delt with, I have had WFFNB (Express) especially get a couple CLI almost back to back because the account was at limit before the increases.

 


Really...this is interesting to know. My CL is $1,000 right now so I doubt I'll actually ever charge that much, but of course, I wouldn't mind more CL so I wouldn't have to worry about UTIL much.

 

They have the button available on the website already...asks for Annual income. I guess I'll try at 6 months and see how it goes.

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Established Contributor
Uppingmyscore
Posts: 511
Registered: ‎12-28-2012
0

Re: CLI's on WFNNB Accounts??

They increased mine automatically.....No request from me!!! 

My Wallet: Amex Express BCE $21,000, Amex Express Blue Sky $2,000, Discover $10,000, Chase Freedom $4,000, Capital One $3,250, Barclay $6,300 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $8,500, Ashley's Furniture $6,000, Lowe's $4,000 (AU), Express Next $2,160, and Macy's Store Card (Joint Account) $1,300.

Last Application March 25, 2014. Score ranges 700+

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